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Longer time frame The longer you will have jaffe anesthesiologist's manual of surgical procedures pdf the money in the account, the more worthwhile it is to go for a higher interest rate. .About tfsas Collapse What is a Tax-Free Savings Account (tfsa)?Excess contributions to a tfsa will be subject to a penalty tax of 1 per month based on the highest excess tfsa amount in that month.Savings Account, tFSA, rRSP/rrif, online, guarantee, quebec eligible.If you have more than 100,000 consider opening up another account at a different institution to get more coverage.Premium Interest is paid at the end of each Premium Period, so long as NO debit transaction HAS occurred within that Premium Period.When a debit transaction occurs, no Premium Interest is payable for that Premium Period and a new Premium Period of the same length will commence the same day.Saving money outside our rrsps wasnt a priority.They have online banking and are cdic insured.Maximum return.00 is over the entire 3-year term Where to put your savings?Any bank accounts (non-registered) at an institution will be covered up to 100,000 in total. .Buy The Book: The resp Book: The Simple Guide to Registered Education Savings Plans Everything you need to know about resps.